Are you struggling with debt collectors and not sure where to start? Don't worry; ME Finance has your back! 💪 We’re offering a FREE Debt Validation Letter Template to help you take control of your financial situation. Use this letter to request proper validation from creditors and ensure they provide the necessary proof of the debt they’re claiming. It's your right to ask for validation, and we're here to help you exercise it!
✨ Copy the template below and get started!
Debt Validation Letter Template
[Your Name]
[Your Address]
[City, State ZIP Code]
[Your Email Address]
[Today's Date]
[Debt Collector’s Name]
[Debt Collector’s Address]
Subject: Debt Validation Request (Last Four Digits: [Your Account Number])
To Whom It May Concern,
I am writing to formally request validation of the debt you claim I owe, as stipulated by the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692g. This letter is not a refusal to pay but a request for verification of the debt in question. Please provide the following information:
Proof of the debt: A detailed statement of the debt, including the original amount, interest, fees, and how the amount was calculated.
Proof of your authority to collect: A copy of the original creditor's agreement granting you the right to collect this debt on their behalf.
Verification of the original creditor: The name and contact information of the original creditor, along with a copy of any contract or agreement bearing my signature.
Details of the debt: Documentation showing whether the debt has been sold, assigned, or transferred to you, including the date of the transfer and the chain of ownership.
As per 15 U.S.C. § 1692g(b), I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, until you have provided me with the requested validation in writing.
Please respond to this request in writing to the address listed above.
Thank you for your attention to this matter. I look forward to receiving the requested information.
Sincerely,
[Your Name]
[Your Phone Number]
[Your Email Address]
💡 Need help repairing your credit or mailing this letter? We offer professional services to assist with your credit repair and can handle mailing your debt validation letter for you! Reach out to us to get connected with our trusted in-house provider and take the next step toward financial freedom.
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